Make sure your clients have the forms they need to submit a disability claim.

Required forms

Disability Claim Notice (KK458) (includes a HIPAA authorization form) - needs to be completed by the client. It provides us with information about the disability and other related information.

Attending Physician’s Statement (KK376) (for non-psychiatric and/or non-substance abuse claims) - needs to be completed by the health care provider that is treating the client for the disabling medical condition. If there are multiple doctors, each should receive a form.

Psychiatric Questionnaire (KK254) (for psychiatric and/or substance abuse claims) - needs to be completed by the health care provider that is treating the client for the disabling medical condition. If there are multiple doctors, each should receive a form.

Step 2: Completion of Claims Forms

Clients may access the necessary forms on www.principal.com. Or, within 48 hours of receiving the claim notification, we will mail the forms to the client.

You can also share the necessary forms with clients.

Step 3: Claims Analyst Assigned

The claims analyst:

Is the client’s one point of contact throughout the claims process

Communicates with the client

Reviews the claim and arrives at a decision

Provides ongoing review and service once the claim is approved

The client's producer is notified via email when a claim is received.

Step 4: Claim Reviewed and Decision Communicated

Throughout the process, the claims analyst keeps the client informed and indicates if additional information is needed. Expertise from professionals such as CPAs, medical reviewers, Social Security experts. may also be used during the claim review. Once the claim decision is reached, the client is contacted.

Once approved for benefits, Principal Life periodically obtains validation that the client continues to qualify. The frequency of updates is determined on a case-by-case basis.

Important Information

Insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392. For producer use only. Not intended for use in sales situations or with the general public. Disability insurance has limitations and exclusions.